551 S Main St, Bluffton, OH 45817 Property Records

Allen County property record for 551 S Main St, Bluffton, OH 45817

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,668 sqft · built 1926
Lot Size	0.207 acres (9,017 sqft)
Owner	2 Individual Names on File
Last Sale	$189,000 (Apr 2018)
Tax Bill	$2,476 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Apr 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28-1206-07-016.000`

Property Details

APN / Parcel Number

Primary APN	`28-1206-07-016.000`
Alternative APN	`A0228120607016000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,668 sqft Living Area
Gross Area	2,964 sqft
1st Floor Area	1,020 sqft
Upper Floors Area	648 sqft
Basement Area	648 sqft
Family Room	Family Room

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Lot Area	9,017 sqft (0.207 acres)
Lot Dimensions	150 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	648 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	176 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Storm Sewer
Water Source	Commercial

Location & Zoning

Street Address	551 S MAIN ST
City	BLUFFTON
State	OH
Zip	45817-1045
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GARAUS ADDITION LOT 598 NW END JOINT TEN FF 60.00
Legal Subdivision	GARAUS ADDITION
Legal Lot Number	598
Jurisdiction	ALLEN OH
Township / Civil Division	RICHLAND
Census Block Group	1
Census Block	1036
Census Tract	10100

Owner

551 S Main St is owned and occupied by two individuals who bought it in April 2018.

Source: Allen County records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	551 S MAIN ST, BLUFFTON, OH 45817-1045
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS NAT'L BK/BLUFFTON
Apr 25, 2018	Grant Deed, Transfer · Conventional Mortgage CITIZENS NAT'L BK/BLUFFTON
Mar 19, 2018	Deed of Trust, Mortgage CITIZENS NAT'L BK/BLUFFTON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2018 · Amount on File
Deed Sale	Apr 25, 2018 · Amount on File
Prior Sale	Sep 1, 1972 · Amount on File
Deed Document Number	20184445
Deed Book / Page	2018 / 4445
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	551 S MAIN ST, BLUFFTON, OH 45817-1045
Document Number	0000007885
Instrument Date	Jul 14, 2020
Transaction Type	Mortgage
Record Updated	Aug 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	551 S MAIN ST BLUFFTON OH 458171045, BLUFFTON, OH 45817-1045

Mortgage

Document Number	0000007885
Date	Jul 17, 2020
Instrument	7885

Lender

Name	CITIZENS NAT'L BK/BLUFFTON
Type	Bank
Address	BLUFFTON, OH 45817

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jul 16, 2040

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALLEN OH
Recording Date	Apr 25, 2018
Property Address	551 S MAIN ST, BLUFFTON, OH 45817-1045
Document Number	0000004445
Instrument Date	Apr 23, 2018
Instrument	4445
Transaction Type	Transfer
Record Updated	May 2, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$567.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	551 S MAIN ST BLUFFTON OH 458171045, BLUFFTON, OH 45817-1045

Mortgage

Document Number	4446
Date	Apr 25, 2018
Instrument	4446

Lender

Name	CITIZENS NAT'L BK/BLUFFTON
Type	Bank
Address	BLUFFTON, OH 45817

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 24, 2048

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	551 S MAIN ST, BLUFFTON, OH 45817-1045
Document Number	0000003055
Instrument Date	Mar 19, 2018
Transaction Type	Mortgage
Record Updated	Apr 11, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	551 S MAIN ST BLUFFTON OH 458171045, BLUFFTON, OH 45817-1045

Mortgage

Document Number	0000003055
Date	Mar 23, 2018
Instrument	3055

Lender

Name	CITIZENS NAT'L BK/BLUFFTON
Type	Bank
Address	BLUFFTON, OH 45817

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 22, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.87%

Tax Assessment & Valuation

The 2025 property tax bill for 551 S Main St was $2,476.

Source: Allen County assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Allen County
County Subdivision	Richland Township
Municipality	Bluffton Village
Unified School District	Bluffton Exempted Village School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,476.00 (-0.04%)	$75,040 (-) Land $9,660 Building $65,380	$214,400 (-) Land $27,600 Building $186,800
2024	$2,477.00 (+11.18%) Homeowner's exemption	$75,040 (+19.97%) Land $9,660 Building $65,380	$214,400 Land $27,600 Building $186,800
2023	$2,228.00 (-1.02%) Homeowner's exemption	$62,550 (-) Land $8,050 Building $54,500
2022	$2,251.00 Homeowner's exemption	$62,550 Land $8,050 Building $54,500
2021			$178,700 Land $23,000 Building $155,700

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 551 S Main St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2007.

Source: FEMA National Flood Hazard Layer, effective June 20, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	3 (2007–2011)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Feb 2011 · river or lake flooding
Claims by Event	Severe Storms, Flooding, And Tornadoes, Aug 2007 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 551 S Main St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 90% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BLUFFTON VILLAGE serves 4,082 people · EPA ID OH0200112
Water Source	Purchased surface water from OTTAWA VILLAGE
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 145 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
MetaLINK Technologies Fixed Wireless	200 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Buckeye Wireless.

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